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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,007 | $147,556-49.8% | $129,031-42.6% | $198,609-62.7% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 12.90% | 37.41%-24.5pp | 34.67%-21.8pp | 202.70%-189.8pp |
| Employer contribution / active EE | $1,890 | $3,645-48.1% | $3,226-41.4% | $5,055-62.6% |
| Participant deferral / active EE | $15,764 | $5,760+173.7% | $5,217+202.2% | $6,977+125.9% |
| Admin fee / account holder | $795 | $15,467-94.9% | $13,208-94.0% | $19,030-95.8% |